Plan your retirement pension. Estimate your maturity corpus, tax-free lump-sum withdrawal, and monthly annuity pension payouts from your NPS investments.
₹
%
Yrs
%
Retirement Plan
Total Investment₹18,00,000
Maturity Corpus₹1,13,96,627
Lump-sum Payout (60%)₹68,37,976
Annuity Corpus (40%)₹45,58,651
Est. Monthly Pension₹22,793
FAQs
Frequently Asked Questions
What is the minimum annuity purchase percentage?
Under PFRDA guidelines, you must purchase an annuity plan with at least 40% of your total NPS maturity corpus at age 60. The remaining 60% can be withdrawn as a completely tax-free lump-sum amount.
How does NPS compare to PPF or mutual funds for tax savings?
NPS offers tax deductions up to ₹1.5 Lakhs under Section 80CCD(1) and an additional deduction of ₹50,000 under Section 80CCD(1B), making it highly tax-efficient compared to PPF or ELSS mutual funds.
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